Senior Manager, RESL Account Management Strategy & Analytics

BMO•Toronto, ON

13d•CA$86,000 - CA$160,000•Onsite

About The Position

Join a pioneering team shaping the future of Canadian Retail Credit Strategies. We’re building next-generation, end-to-end credit solutions that span the entire lifecycle—from acquisition and account management to collections—anchored in a holistic Lending Decision Strategy and aligned with Canadian Personal & Business Banking (P&BB) priorities. Our approach combines cutting-edge decisioning software, advanced decision trees, and innovative credit models to deliver smarter, faster, and more customer-centric outcomes. This is your opportunity to influence credit cycles using modern modeling techniques and best-in-class decisioning applications, all within a high-performance, customer-focused environment. If you’re passionate about leveraging data, technology, and strategy to transform lending decisions and drive meaningful impact across Canadian P&BB, this is the team for you. The Senior Manager, Real Estate Secured Lending Account Management plays a key leadership role in shaping and guiding renewal and engagement strategies that support portfolio performance, customer resilience, and overall experience within the end‑to‑end Real Estate Secured Lending portfolio. This position combines strategic thinking with hands‑on partnership across Product, Risk, Pricing, and Analytics to strengthen retention, enhance credit quality, advance renewals, and support prudent portfolio management. Working closely with Product and Risk, the Senior Manager helps design scalable, automated lifecycle strategies grounded in customer insights, portfolio needs, and risk considerations. The role ensures our strategies evolve alongside changing customer behaviours, housing and interest‑rate dynamics, regulatory expectations, and competitive market forces.

Requirements

Experience applying secured‑lending models such as behaviour scores, property valuation models (AVMs), collateral risk tiers, and early‑warning indicators.
Experience designing and guiding structured test‑and‑learn programs.
Experience partnering with Technology, Product, and Analytics teams to translate strategy into deployable decision rules, digital capabilities, and automated workflows.
Experience monitoring in‑force portfolio health, including trends in delinquency, renewal conversion, prepayment behaviour, attrition, and customer engagement.
Experience ensuring strategies adhere to credit policy, regulatory requirements, customer‑protection standards, and prudent governance practices.

Nice To Haves

Experience in shaping and guiding renewal and engagement strategies within the Real Estate Secured Lending portfolio.
Experience in strengthening retention, enhancing credit quality, advancing renewals, and supporting prudent portfolio management.
Experience designing scalable, automated lifecycle strategies grounded in customer insights, portfolio needs, and risk considerations.
Experience evolving strategies alongside changing customer behaviours, housing and interest‑rate dynamics, regulatory expectations, and competitive market forces.

Responsibilities

Shape and advance customer‑level account‑management strategies that span the full lifecycle - from early insights through renewals - ensuring they reflect customer needs, portfolio priorities, and sound risk practices.
Develop strategies that bring together customer experience, retention goals, portfolio performance, and credit integrity across all secured‑lending segments.
Translate insights on collateral‑risk, payment behaviour, and customer attributes into thoughtful, targeted interventions.
Guide the development of renewal strategies that strengthen retention and uphold risk‑appetite principles while protecting margin.
Collaborate closely with Product, Distribution, Pricing, and Risk to refine renewal journeys, improve engagement, and streamline decision points across channels.
Work with partners to modernize and optimize renewal workflows, including automated processes and exception‑handling pathways.
Act as a key model user, applying secured‑lending models such as behaviour scores, property valuation models (AVMs), collateral risk tiers, and early‑warning indicators.
Ensure models are properly interpreted and embedded in treatment segmentation, exposure management, and renewal decisioning.
Design and guide structured test‑and‑learn programs to evaluate enhancements in renewal treatments, pricing considerations, customer journeys, and segmentation approaches.
Assess and communicate impacts on retention, customer experience, risk outcomes, and portfolio yield to support evidence‑based decisions.
Partner with Technology, Product, and Analytics teams to translate strategy into deployable decision rules, digital capabilities, and automated workflows.
Ensure technical feasibility, governance alignment, and smooth operational integration across systems and channels.
Monitor in‑force portfolio health, including trends in delinquency, renewal conversion, prepayment behaviour, attrition, and customer engagement.
Provide proactive insights and recommend strategic adjustments that maintain performance within risk appetite.
Ensure renewal and account‑management strategies adhere to credit policy, regulatory requirements, customer‑protection standards, and prudent governance practices.
Maintain oversight documentation and contribute to compliance routines and control frameworks.